Utkarsh Small Finance Bank Ltd
Unaudited Financial Results for quarter ended June 30, 2026
RESULTS
▼ Concern Flagged
MEDIUM RISK
📅 Filed on BSE: 01 Aug 2026, 07:29 PM IST · BSE ID: b320ae53-9df9-4c5b-99c5-ad204d23a5c7
View Original BSE Filing (PDF)
💡
In Simple Terms
The bank lost ₹3,391.97 lakh this quarter but improved its bad loans percentage, while its income saw a minor decline.
🤖 AI Summary
- Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh for the quarter ended June 30, 2026.
- Total Income for Q1 FY27 reached ₹1,00,237.22 lakh, compared to ₹1,01,865.14 lakh in Q1 FY26.
- Gross NPA percentage improved to 6.09% as of June 30, 2026, from 11.42% as of June 30, 2025.
- The Bank's Capital Adequacy Ratio was 17.44% for the quarter ended June 30, 2026.
- Provisions (other than tax) and Contingencies decreased to ₹10,898.21 lakh in Q1 FY27 from ₹41,051.17 lakh in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit for the period/ year after tax
₹(3,391.97) lakh
85.87%
Total Income (1+2)
₹1,00,237.22 lakh
-1.60%
Provisions (other than tax) and Contingencies
₹10,898.21 lakh
-73.44%
% of Gross NPA to Gross Advances
6.09%
-46.67%
% of Net NPA to Net Advances
2.86%
-42.80%
Capital Adequacy Ratio
17.44%
-11.20%
🏢 How This Affects the Company
Retail segment revenue decreased to ₹77,392.74 lakh in Q1 FY27 from ₹79,431.21 lakh in Q1 FY26. Wholesale segment revenue increased to ₹9,274.49 lakh from ₹6,412.49 lakh over the same period.
The reduction in provisions and contingencies to ₹10,898.21 lakh contributed to a lower net loss compared to the prior year. Net Non-Performing Assets (NPA) decreased to 2.86% from 5.00% in Q1 FY26.
The significant decrease in Gross NPA to 6.09% from 11.42% and Net NPA to 2.86% from 5.00% in the comparable prior period indicates an improvement in asset quality.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the Bank's financial performance, specifically the reported net loss of ₹3,391.97 lakh and the Basic EPS of ₹(0.19) for the quarter.
🔍
Management Signal
The financial results indicate management's continued focus on improving asset quality as evidenced by the reduced NPA ratios and lower provisioning compared to the prior year.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check for sustained asset quality improvement and path to profitability.
Further updates on credit growth across retail and wholesale segments.
RBI guidelines or policy changes affecting small finance banks.
MEDIUM RISK
Ongoing net losses despite improved asset quality, coupled with minor total income decline, flags medium risk.
💡 Investor Takeaway
Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh for Q1 FY27, an improvement from ₹23,948.05 lakh net loss in Q1 FY26. Gross NPA decreased to 6.09% as of June 30, 2026, from 11.42% in the prior year.
⚖️ Strengths & Concerns
✅ Positives
- Gross NPA percentage significantly improved to 6.09% as of June 30, 2026, from 11.42% as of June 30, 2025.
- Provisions (other than tax) and Contingencies reduced by 73.44% to ₹10,898.21 lakh in Q1 FY27 from ₹41,051.17 lakh in Q1 FY26.
⚠️ Concerns
- Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh for the quarter ended June 30, 2026.
- Total Income decreased marginally to ₹1,00,237.22 lakh in Q1 FY27 from ₹1,01,865.14 lakh in Q1 FY26.
📅 Company Track Record
Utkarsh Small Finance Bank has reported continuous net losses in recent periods, including ₹18,801.56 lakh in Q4 FY26 and a full-year net loss of ₹1,15,097.84 lakh for FY26.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Utkarsh Small Finance Bank's net profit/loss for Q1 FY27?
Utkarsh Small Finance Bank reported a net loss of ₹3,391.97 lakh for the quarter ended June 30, 2026.
What was the total income for Utkarsh Small Finance Bank in Q1 FY27?
The total income for Utkarsh Small Finance Bank for the quarter ended June 30, 2026, was ₹1,00,237.22 lakh.
How did Utkarsh Small Finance Bank's Gross NPA ratio change in Q1 FY27?
The Gross NPA percentage of Utkarsh Small Finance Bank decreased to 6.09% as of June 30, 2026, from 11.42% as of June 30, 2025.
What was the Capital Adequacy Ratio for Utkarsh Small Finance Bank as of June 30, 2026?
The Capital Adequacy Ratio for Utkarsh Small Finance Bank was 17.44% as of June 30, 2026.
What were the provisions and contingencies for Utkarsh Small Finance Bank in Q1 FY27?
Provisions (other than tax) and Contingencies for Utkarsh Small Finance Bank were ₹10,898.21 lakh for the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.